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Capital One® Savor® Cash Rewards Credit Card vs. Capital One® Venture® Rewards Credit Card

Choose cash back or travel rewards.

Updated

Fact checked

These two Capital One cards come with an intro $0 annual fee for the first year and $95 after that, and with no 0% intro APR period. The main difference is that the Capital One® Savor® Cash Rewards Credit Card lets you earn accelerated cash back on dining, entertainment and at grocery stores, while the Capital One® Venture® Rewards Credit Card lets you earn flat cash back on all purchases. Also, the latter has a higher signup bonus.

Check out the table below to find out about these cards’ perks and features.

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Rates & Fees

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Rates & Fees

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★★★★★

4.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Stellar cash back on dining and entertainment
  • High unlimited mile-earning rate on all purchases
Welcome offer
Welcome offer

$300 after spending $3,000 in the first 3 months

50,000 bonus miles after spending $3,000 in the first 3 months

Rewards
Rewards

8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

5x miles on Uber Eats and 2x miles on all purchases

Purchase APR
Purchase APR

15.99% or 24.99% variable

17.24%, 21.99% or 24.49% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $95
Balance transfer APR
Balance transfer APR 15.99% to 24.99% variable

17.24% to 24.49% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 24.49% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Cash back. Earn 4% back on dining and entertainment, and 2% back at grocery stores. Purchases made on sporting tickets at Vivid Seats earn 8% cash back until January 2022. All other purchases earn 1% cash back.
  • Signup bonus. Earn $300 bonus cash once you spend $3,000 in your first 3 months when you opened your account.
  • High minimum credit line. Your credit line depends on multiple factors, but with this card you won't get a lower credit line than $5,000.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Earn an unlimited 2x miles on all purchases.
  • Get a 50,000-mile welcome offer after you spend $3,000 in your first 3 months.
  • Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
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